scams on older adults · you get a call, an email, a card says that you’ve won a prize, lottery,...
TRANSCRIPT
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Scams on Older Adults
Trends, Tips & Tools
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TRENDS
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Consumer Sentinel 2017
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Phone E‐mail Internet ‐ Web Site\Others Mail Other
54%
23%
11%
4%7%
2014
75%
8%
6%4%
7%
2015
77%
8%
6%3%
6%
2016
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11% 8% 9%
5%3% 4%
4%3% 3%
13%14% 15%
2%2%
3%2%
1%1%
35%
7%7%
<1%
<1%<1%
29%
61% 58%
2014 2015 20160%
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
Bank Account Debit Cash\Cash Advance Check Credit Cards Internet\Mobile
Money Order Prepaid Cards Telephone Bill Wire Transfer
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19 and Under 20‐29 30‐39 40‐49 50‐59 60‐69 70 and Over
2%14%
17%
18%21%
18%
10%
2014
1% 11%
15%
16%
20%
21%
16%
2015
2%12%
16%
15%
18%
20%
17%
2016
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The Scams:
Tips
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Types of Scams
Charity Scams
Health Care Scams
Paying Too Much
You’ve Won
Imposter Scams
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Charity Scams
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Charity Fraud –How it Works
Here’s how it works:
• Phone call
• Charity name sounds familiar
• Pressure you to pay quickly
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Charity Fraud –What You Can Do
Take your time
Say no
• “No, thanks.” Hang up. …OR:
• “I don’t give money over the phone. If you send
something in writing, I’ll consider it.”
Never send cash, wire money or load prepaid debit
cards
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Health CareScams
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Health Care Scams –How It Works
They’ll say you need…
• A new Medicare card
• A new health insurance card
• Discounted health insurance
• To act now!
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Health Care Scams –Examples
Miracle cures
• Offers quick cures to MS, Alzheimer’s, cancer
Affordable Care Act scams
Medicare-related scams
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New Medicare Cards Coming May 2018 - April 2019
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Health Care Scams –What You Can Do
Take your time
Check it out
• 1-800-MEDICARE
Consult reliable sources of health information (healthcare.gov, cdc.gov)
Do not delay medical treatment
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Paying Too Much
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Paying Too Much –How it Works
Charges on bills
• Rate increase
• Interest rate change
• Unexpected charges
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Paying Too Much –What You Can Do
Read your bills
• every statement, every time
Read contracts carefully before you sign them
• look for balloon payments, variable interest rates
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“You’ve Won” Scams
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“You’ve Won” Scams–How They Work
You get a call, an email, a card
Says that you’ve won a prize, lottery, trip
You just need to pay fees, taxes, custom fees first
They want you to wire money or give your credit card information
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“You’ve Won” Scams –What You Can Do
What you can do:
• Keep your money to yourself
• Keep your information to yourself
• If in doubt, check it out
• Never wire money
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Imposter Scams
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Imposter Scams –How They Work
Someone who pretends to be somebody else calls you, emails you
Asks for personal information
Asks for money – wire transfer or money card
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Imposter Scams –Tips
Stop. Check it out before you wire money to anyone.
• Don’t give out personal information unless you’re sure who
you’re giving it to
• Call back at a number you know to be correct
Sign up for Do Not Call
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IRS Imposter Scams
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IRS Imposter Scams –How they work
Scammers may:
• Rig caller ID to make it look like call is from Washington DC (202 area code)
• Demand immediate payment by pre-paid debit card or wire transfer
• Send bogus IRS emails to further the scheme
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IRS Imposter Scams -Tips
The IRS will NOT:
• ask you to pay with prepaid debit cards or wire transfers
• ask for a credit card over the phone
• threaten arrest, deportation or loss of your drivers license
• Initiate contact by email
STOP. Don’t wire money or pay with a prepaid debit card.
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Imposters v. Real IRS?
If you have any doubts, call the IRS directly at 800-829-1040.
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IRS Imposters: A New Twist
Private debt collection for old IRS debts
Always get a letter first
• Name of debt collector
• Authentication number
Always pay the IRS, nobody else
Questions? Call the IRS: 1-800-829-1040 or check IRS.gov/balancedue
TO HEAR THE WEBINAR CALL 1-800-230-1059
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Tech Support Scams
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Tech Support Scams –How they work
• Scammers call pretending to be from or affiliated with computer security companies, such as Dell, Microsoft, Norton, or others.
• Or, they place online ads to get consumers to call about their computers.
• Scammers scare consumers about their computer security
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Tech Support Scams –How they work
Often want to remotely access the consumer’s computer.
Scammers want to sell software or services to fix or maintain the security of the computer.
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Tech Support Scams -Tips
HANG UP.
• Never give control of your computer or your credit card information to someone who calls you out of the blue.
PASS IT ON.
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Tech Support Scams Video
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Grandkid Scams
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Grandkid Scams –How they work
You get a call: “grandma, I need money for bail.”
• Or a medical bill
• Or other trouble
Caller says it’s urgent and says to keep it a secret
Caller asks you to wire money or put it on a prepaid card
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Grandkid Scams –Tips
STOP. Check it out.
• Look up your grandkid’s phone number and call back
• Or call another family member
PASS IT ON.
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Family Emergency Scam Video
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Online Dating Scams
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Online Dating Scams – How they work
You meet someone on a dating website.
She wants to communicate by email and phone.
She says she loves you but needs money for a plane ticket
to visit. Or for surgery.
She asks you to wire money or put it on a prepaid card.
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Online dating scams -Tips
STOP. Don’t send money.
• Never wire money, put money on a prepaid card or send cash to an online love interest.
• You won’t get it back.
PASS IT ON.
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Imposter Scams –Tips Recap
STOP. Check it out before you wire money to anyone.
Don’t give out personal information unless you’re sure
who you’re giving it to
Call back at a number you know to be correct
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TOOLS - Scams
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Consumer education for active older adults – www.ftc.gov/passiton
Respecting a lifetime of experience
Encouraging sharing of information on:
49
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Sample Article
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Sample Activity
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Financial Literacy Tools from the FTC
Lisa SchifferleDivision of Consumer & Business Education, FTC
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FTC Tools for Money Management & Credit Repair
• Consumer.gov– Managing your money
– Credit, loans and debt
– Scams and identity theft
– Help for you
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Federal Trade Commission
• Medical debt• Credit cards• Car loans• Student loans• Public records – arrests, foreclosures, judgments, bankruptcies
What is credit?
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Getting your credit report
• Order credit report at annualcreditreport.com or 1‐877‐322‐8228
• Check your credit report for:– Personal info – Accounts – Negative information – Inquiries
• Fix mistakes on credit report– Send dispute letters
• No credit? Shop for it carefully– Look for low fees, long grace period, good APR
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Federal Trade Commission
If you find inaccurate information
• Contact the CRAs:– Place Fraud Alerts on Credit Reports– Obtain Credit Report free of charge– File Credit Report Information Blocking Request or standard dispute
– Consider a credit freeze
• Contact companies where fraud occurred• Contact FTC
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Job Scams
• Signs of job scams– Promise that you’ll make lots of money working at home– Offer certificate to improve chance of getting job– Promise government job
• How to avoid job scams– Don’t pay in advance for info about a job– Don’t deal with anyone who says you have to act fast– Ignore promises to make thousands working from home. Those promises are lies.
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F.S.O.C.
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www.stopfraudcolorado.gov